The big lap is not going to plan itself.
Whether you are a grey nomad mapping out the trip of a lifetime, a family who wants school holiday adventures that do not cost a fortune in flights and hotels, or someone who has just decided that van life is the way forward, a caravan loan gets you on the road sooner than saving for years. Borrow from $5,000 for a solid secondhand pop-top through to $150,000 for a brand new off-road tourer fully kitted out. Terms run from one to seven years, and you choose whether to repay weekly, fortnightly or monthly. You find the van. We match you with lenders offering caravan loans that fit your budget and your travel plans.
A secured caravan loan means lower rates and real savings.
With a secured caravan loan, the van itself acts as security for the finance. Because caravans tend to hold their value better than cars, lenders are often comfortable offering competitive rates and longer terms on secured caravan loans. Over a five to seven year term, even a small difference in rate saves you thousands. Secured loans also let you borrow more, which matters when you are looking at a quality tourer or a van with all the comforts. If you would rather not use the caravan as security, unsecured options are available through our panel but typically come with a higher rate and lower borrowing limits. We help you compare both so you can pick what works.
New vans, used vans, private sales and dealer purchases.
Almost half of all caravan purchases in Australia are used vans sold privately, and for good reason. A well-maintained secondhand caravan can save you tens of thousands compared to buying new, and plenty of vans on the market have barely left the driveway. Our lender panel finances new and used caravans from dealers and private sellers, so you are not locked into paying showroom prices. For any used purchase, run a PPSR check to make sure the van is free of existing finance, and consider getting an independent pre-purchase inspection. Some lenders have age limits on what they will finance as a secured loan, but there are usually options even for older vans in good condition.
Budget for the real cost of caravan life, not just the sticker price.
The purchase price is only part of the picture. Registration, comprehensive insurance, tow vehicle compatibility, storage or site fees, servicing, tyres, gas bottle refills and the inevitable upgrades all add up. If you are planning extended touring, you will also want to factor in fuel, caravan park fees or camping permits, and roadside assist. A realistic budget means fewer surprises once you are on the road and helps ensure the repayments on your caravan loan sit comfortably alongside your other living costs. Lenders will look at the full picture during their assessment, so having your numbers sorted upfront makes the approval process smoother.
Retired or semi-retired? You may still qualify for a caravan loan
Plenty of Aussies buy their caravan as they approach or enter retirement, and income from superannuation, pensions, investments or part-time work can be considered by lenders when assessing your application. Lending options may be more limited compared to someone in full-time employment, but they do exist. Some lenders on our panel are comfortable with self-funded retirees, and others will consider a combination of income sources. If you have equity in your home, that can also open doors to better rates and higher amounts. The key is making sure the repayments are genuinely manageable within your retirement budget, because the last thing you want is financial stress on the road.
No fees from us. Just a smarter way to get touring.
We do not charge you anything for using our service. No application fees, no matching fees, no hidden costs. Our lenders pay us, not you. We are also members of the Australian Financial Complaints Authority, so if anything goes wrong, you have access to free, independent dispute resolution. All lenders on our panel follow responsible lending rules under the NCCP Act, so any caravan loan offered has been assessed to make sure it is suitable and affordable for your circumstances. Apply online in minutes and let us do the matching while you start planning where to go first.
